$5K in Bitcoin vs Bonds over 20 years
Bitcoin (PL)
$732K
Power Law
Bonds
$11K
4% avg return
Difference
$721K
Bitcoin wins
50/50 Split
$371K
half in each
Portfolio Comparison
Year-by-Year Comparison
| Year | Bitcoin (PL) | Bonds | BTC Infl-Adj | Bonds Infl-Adj |
|---|---|---|---|---|
| 2026 | $10K | $5K | $10K | $5K |
| 2028 | $19K | $5K | $18K | $5K |
| 2030 | $32K | $6K | $29K | $5K |
| 2032 | $53K | $6K | $44K | $5K |
| 2034 | $84K | $7K | $66K | $5K |
| 2036 | $128K | $7K | $95K | $6K |
| 2038 | $190K | $8K | $133K | $6K |
| 2040 | $275K | $9K | $182K | $6K |
| 2042 | $388K | $9K | $242K | $6K |
| 2044 | $538K | $10K | $316K | $6K |
| 2046 | $732K | $11K | $405K | $6K |
Verdict
Power Law: Bitcoin wins — $721K more.
CAGR 20%: Bitcoin wins — $181K more.
Break-even: Bitcoin only needs 4.0% annual growth to match Bonds.
$5K Bitcoin vs Bonds
This comparison puts $5K into Bitcoin versus Bonds at a 4% average annual return over 20 years. Bitcoin projections use the Power Law model.
Not financial advice. Past performance does not guarantee future results.
$5K vs other assets
You might also like
New to Bitcoin? Start here.
Our free 10-module course covers everything from the basics to self-custody — no jargon, no shilling.
Want to customize these numbers?
Use the full Bitcoin FIRE Calculator to adjust your age, savings, expenses, and growth models. Plus explore our free 10-module Bitcoin course.